Right, all you squidly twats, stop bloody crashing on trackdays

[jrandom]

Just been reviewing Betty's insurance prior to MotoTT tomorrow, and I found out that all policies taken out with Star since the beginning of 2008 have a $2,000 excess on their trackday cover.

Dave at Kiwibike commented to me this morning that all the NZ motorcycle insurers will probably stop offering trackday cover within the next year.

Why?

Trackdays used to run once in a blue moon, and were genuine 'rider training' occasions. That's what the insurance companies had in mind when they added cover for them as a policy benefit.

Nowdays, in large part thanks to the efforts of this fine forum, I suspect, every man and his dog takes his rice-burning crotch rocket to Puke, Taupo or Manfeild at every possible opportunity, and drags his mates along for some unofficial racing and clowning around.

Yes, I know y'all race each other and practice stunting at trackdays. The 'rider training' thing is bullshit, let's not beat around the bush.

I'd just like to say a hearty 'thanks for nothing' to all you cunts who took advantage of your insurers' naivety and raped your bikes around racetracks without heed to their value or your own lack of skill through '06 and '07 in an expensive fairing-splintering free-for-all.

I hope you enjoyed yourselves, because the party's about to end. If you want to keep playing on racetracks, you're going to have to start paying for it yourselves.

Did you really think the insurance companies would keep picking up the tab for your intentional pushing of your machines beyond their and your limits?

Dumbarses.

:buggerd:

[nodrog]

i will try my hardest to stay upright tommorow sir.

[Sully60]

Trash Heap has spoken.

Naaaaaaahhhhhhh!!!!!!!

[jrandom]

i will try my hardest to stay upright tommorow sir.

Good.

Anyone bins in front of me tomorrow in a way that looks expensive, I swear I'm gonna run the cunt over.

:nono:

[007XX]

Just as well the full moon was a couple of days ago, eh? :whistle:

[nodrog]

Good.

Anyone bins in front of me tomorrow in a way that looks expensive, I swear I'm gonna run the cunt over.

:nono:

wouldnt that be contradicting your rant, by having to claim on your insurance for having an accident at a trackday? :laugh:

[Disco Dan]

Theres a start/finish line on every NZ road with full insurance.

...oh wait, you dont like 'those cunts' either.

[vifferman]

Just as well the full moon was a couple of days ago, eh? :whistle:
Ohhhhhhh....
I didn't realise that, but it explains some stuff. :blank:

[jrandom]

I had a 20min conversation with him this morning too and I'll be covered for at least this year...$500 excess. :niceone:

Yup. All policies that have been current since before 01/01/08 get their standard excess applied to trackday cover. All new policies get the $2K excess on the track.


BTW...Highly recommend Kiwi Bike! (http://www.kiwibike.co.nz/)

+1

[jrandom]

wouldnt that be contradicting your rant, by having to claim on your insurance for having an accident at a trackday?

Who says I'm gonna fall off after running 'em over eh?

A GSX1400 at 180kph is just like a trials bike, really...

[nodrog]

Who says I'm gonna fall off after running 'em over eh?

A GSX1400 at 180kph is just like a trials bike, really...

Skidmark get the fuck off jrandom's login!! :clap:

[007XX]

Ohhhhhhh....
I didn't realise that, but it explains some stuff. :blank:

Don't tell me you've been clawing the walls again? :shit: And how's the facial hair situation?..:laugh:

Kidding aside, it is proven that people' s aggressivity tends to increase with the full moon, and as a by product, the amount of accidents.

I agree with the sentiment of this thread though, but I won't use the C word...or proclaim wanting to run over people. It is a real bastard though $2000 excess!!! :crazy:

[jrandom]

I won't use the C word...or proclaim wanting to run over people.

This is why it has been scientifically proven (by men in white coats) that you are universally loved, and that I am only loved by 63.7% of respondents.

:yes:

[boostin]

I hope you enjoyed yourselves, because the party's about to end. If you want to keep playing on racetracks, you're going to have to start paying for it yourselves.

Did you really think the insurance companies would keep picking up the tab for your intentional pushing of your machines beyond their and your limits?

Dumbarses.

:buggerd:

Sure no problem, when you stop being ham-fisted and up my ACC levies, don't try to deny it we have all seem the photo's. :clap:

[007XX]

This is why it has been scientifically proven (by men in white coats) that you are universally loved, and that I am only loved by 63.7% of respondents.

:yes:

Gggnnn :crazy:...men in white coats....Coming to get me....aaaaarrrghhh:chase: I told them before I don't like that jacket, damm it!!! :wacko:

[007XX]

....or 20% of the value of the bike. $2000 is the "cap"...or so I understand it from Dave at Kiwi Bike.

Any queries give him a call on 0800 629253


Aaaahh, now that definitely puts a different spin on things...thank you for that! :first:

Admitedly, I don't go fast enough to bin, but you never know eh?

[jrandom]

Sure no problem, when you stop being ham-fisted and up my ACC levies, don't try to deny it we have all seem the photo's. :clap:

:2thumbsup

Nicely pointed out, sir.

However, the likelihood of me highsiding on the road and breaking my thumb has always been a carefully-calculated part of the ACC levies.

The likelihood of a bunch of testosterone-addled monkeys throwing their gixxers into gravel traps at 'rider training days' and getting full write-offs so they could have a new one for the following weekend, however, was entirely unknown to the poor bastards at the insurance companies who originally offered cover for such occasions.

[mstriumph]

Good.

Anyone bins in front of me tomorrow in a way that looks expensive, I swear I'm gonna run the cunt over.

:nono:

am sure they wouldn't dare
seeing as how it brings out your feminine side an all ..... :msn-wink:


The likelihood of a bunch of testosterone-addled monkeys throwing their gixxers into gravel traps at 'rider training days' and getting full write-offs so they could have a new one for the following weekend, however, was entirely unknown to the poor bastards at the insurance companies who originally offered cover for such occasions.

gotta say - am OVERWHELMED by your eloquence, though, mr random, sir!!:niceone:

[jrandom]

am sure they wouldn't dare
seeing as how it brings out your feminine side an all ...

:girlfight:

[boostin]

The likelihood of a bunch of testosterone-addled monkeys throwing their gixxers into gravel traps at 'rider training days' and getting full write-offs so they could have a new one for the following weekend, however, was entirely unknown to the poor bastards at the insurance companies who originally offered cover for such occasions.

I would be very suprised if they have no idea what really goes on at track 'rider training days' and I would suspect they would have calculated that into the premiums.

However I would agree with the idea that because the frequency has increased then so would the risk/premiums.

[mstriumph]

:girlfight:
oooooooooch - that SMARTS!!! :crybaby:

[jrandom]

I would be very suprised if they have no idea what really goes on at track 'rider training days'...

I suspect that your confidence is misplaced, and that the insurance companies did indeed imagine that they were insuring stately processions of safety-conscious motorcyclists picking up hints and tips from various wise old hands being paid handsomely by the hour to pass on their expertise.

:jerry:

[007XX]

am sure they wouldn't dare
seeing as how it brings out your feminine side an all ..... :msn-wink:



gotta say - am OVERWHELMED by your eloquence, though, mr random, sir!!:niceone:

:laugh: oh touche! (sorry Jr, but she's got you there! :D)



:girlfight:

Oh, you know you don't want to go there girlfriend!!!

[mstriumph]

............. stately processions of safety-conscious motorcyclists picking up hints and tips from various wise old hands being paid handsomely by the hour to pass on their expertise.




*exits quietly, clutching boggling mind ................*

[HenryDorsetCase]

I'd rather drop a bike at a track day than on the road any day!

...and I have :blush:

[jrandom]

I'd rather drop a bike at a track day than on the road any day!

I know.

So do your insurers.

That's why they don't want to pay for it.

[boostin]

I suspect that your confidence is misplaced, and that the insurance companies did indeed imagine that they were insuring stately processions of safety-conscious motorcyclists picking up hints and tips from various wise old hands being paid handsomely by the hour to pass on their expertise.

:jerry:

Having never had trackday cover and the fact you spoke to someone about it just today I will take your word for it.....there is your argument for you :bleh:

[avgas]

Haha classic, havent had this good a laugh in sometime.
Mind due - what did they really expect.
Track day insurance should just be called moron insurance, as i could not think of an easier place to kill a motorbike. Look at the insurance on a 250 learner, now make that squid older riding a K7/ZX10/R1........bigger dumber mess

[more_fasterer]

Well, I was gonna do my best to not bin tomorrow, and try to learn something from the experience and the tutelage of others - I even posted up asking for help.

I even asked for people to give me advice if they felt it warranted in the track day thread!
(http://www.kiwibiker.co.nz/forums/showpost.php?p=1397134&postcount=64)

But I've changed my mind. Just for you JRandy, I will go straight onto the track, try (and pathetically fail) at pulling a wheelie, and run off at turn 2. Then I'll claim on my insurance and buy a Gixer :bleh:



(p.s. talk to you tomorrow about the SRAD)






BTW...Highly recommend Kiwi Bike! (http://www.kiwibike.co.nz/)


+1

+2

[scracha]

It'll just end up like Europe.

Take numberplates off bike. Fit different coloured decals or plastics. Crash bike at trackday. Take bike home, refit numberplate and plastics. Claim on insurance.

[Swoop]

I suspect that your confidence is misplaced, and that the insurance companies did indeed imagine that they were insuring stately processions of safety-conscious motorcyclists picking up hints and tips from various wise old hands being paid handsomely by the hour to pass on their expertise.

:jerry:
Perhaps they are... just at very high speeds.:whistle:

It'll just end up like Europe.

Take numberplates off bike. Fit different coloured decals or plastics. Crash bike at trackday. Take bike home, refit numberplate and plastics. Claim on insurance.
Will they not be suspicious about a bent bike with mint fairings?:laugh:

[Morcs]

Just been reviewing Betty's insurance prior to MotoTT tomorrow, and I found out that all policies taken out with Star since the beginning of 2008 have a $2,000 excess on their trackday cover.

Dave at Kiwibike commented to me this morning that all the NZ motorcycle insurers will probably stop offering trackday cover within the next year.

Why?

Trackdays used to run once in a blue moon, and were genuine 'rider training' occasions. That's what the insurance companies had in mind when they added cover for them as a policy benefit.

Nowdays, in large part thanks to the efforts of this fine forum, I suspect, every man and his dog takes his rice-burning crotch rocket to Puke, Taupo or Manfeild at every possible opportunity, and drags his mates along for some unofficial racing and clowning around.

Yes, I know y'all race each other and practice stunting at trackdays. The 'rider training' thing is bullshit, let's not beat around the bush.

I'd just like to say a hearty 'thanks for nothing' to all you cunts who took advantage of your insurers' naivety and raped your bikes around racetracks without heed to their value or your own lack of skill through '06 and '07 in an expensive fairing-splintering free-for-all.

I hope you enjoyed yourselves, because the party's about to end. If you want to keep playing on racetracks, you're going to have to start paying for it yourselves.

Did you really think the insurance companies would keep picking up the tab for your intentional pushing of your machines beyond their and your limits?

Dumbarses.

:buggerd:

Mate, If everyone had USD forks, then bikes would actually handle properly and not crash.

[ElCoyote]

wouldnt that be contradicting your rant, by having to claim on your insurance for having an accident at a trackday? :laugh:

Yes possibly but putting that on a claim form would be harder and get more laughs but only from penis owners.

[Gremlin]

Yup. All policies that have been current since before 01/01/08 get their standard excess applied to trackday cover. All new policies get the $2K excess on the track.
yay! :clap:

fwiw, I have never binned at a trackday *touch wood*, so 100% record for me... (ok, so I've only done 1)

[Chrislost]

hence why you buy the rungiest thing you can find with 2 wheels and a straight frame, then proceed to flintstones yourself around the track faster then half the R6es/GSXRs/ZXRs that are there.

Ill bet 6/10 of you cant rape a modern sportsbike to the same extent of its potental as you could a 1990s one...
the other 4/10 ride crusers.

[pritch]

From what I've read, the system used by some insurers in the USA is that "rider training days" can be covered. Track days are not. As soon as someone gets a stopwatch out all bets are off.

The Honda Riders Club insurance scheme covers their training days under the normal cover. In fact one HRCNZ training day fee can be deducted from the premium each year.

Track days are not covered.

I'm somewhat amazed that any company would cover bikes on a track day...
They are basically betting nobody will fall off. Not a good bet i'd have thought.

[El Dopa]

From what I've read, the system used by some insurers in the USA is that "rider training days" can be covered. Track days are not. As soon as someone gets a stopwatch out all bets are off.

The Honda Riders Club insurance scheme covers their training days under the normal cover. In fact one HRCNZ training day fee can be deducted from the premium each year.

Track days are not covered.

I'm somewhat amazed that any company would cover bikes on a track day...
They are basically betting nobody will fall off. Not a good bet i'd have thought.

The point that jrandom is making is that most events billed as 'rider training days' don't include much (if any) material that is easily recognised as formal training - i.e. there isn't a structure to the day where you follow (or are followed) by an instructor, who then takes you into a classroom and makes suggestions on your riding style, lines, etc. The 'training' aspect of it is therefore what you teach yourself (which I for one find far more useful in teaching myself how to ride than a month of sundays on the road).

Therefore, it could be argued (in my opinion incorrectly) that they are effectively open track days in all but name.

The difference is that there appears to be a sort of gentlemens agreement between the insurance companies and the TD organisers that the insurers will accept their track days are formal training events, as long as the organisers make a reasonable effort to stop people lap timing, stunting, riding like gimps and carving up the noobs, etc.

If Jrandom is correct, this could be about to change, thanks to the few who go to a 'training event', treat it like an open day, bin, and then claim.

And if anyone from the insurance companies is reading this, I shall repeat: The average rider will learn more from a day on the track than they will from a month on the road, even if they are teaching themselves.

[scracha]

And if anyone from the insurance companies is reading this, I shall repeat: The average rider will learn more from a day on the track than they will from a month on the road, even if they are teaching themselves.

And the insurance won't have to pay out for the fence, other car, etc that they would take out on the road prior to going splat.

[justsomeguy]

What are you complaining about?

Be thankful the party lasted so long. A lot of people in the non-novice group ride at 100% and bin at some point. The overtaking moves pulled alone must make the insurance observers cringe.

A 2k excess is nothing compared to what most bikes and gear cost.

Yes, trackday cover will be stopped, unless something changes and that ain't gonna happen.

[rocketman1]

What is the point in having damage insurance on your bike unless its worth over about $12K
The premiums are about 800-$1000 pa.
If you figure you are a safe rider take out your own insurance . Ie Put that money in the bank an in 10years you will have about $12000 (with Interest) and that will pay for most cosmetic damage, if you happen to fall over, or it will buy you another bike..

You will still need third party, fire & theft costs about $200.
Just a thought..
Now if you own $30-40K Ducati or a Aprilia or some thing can understan the need for full insurance, just the fairings must cost $5-6K, more than the average Jap bike

[bane]

What is the point in having damage insurance on your bike unless its worth over about $12K

Have you seen those Star Insurance right offs?

e.g. $6k Hyosung has low side, repair bill $12k!!!
admittedly that is with OEM parts, but most people like to keep their bikes original where possible.

My bike for instance, 3rd party fire and theft $220. Fully comp premium $360.... new fairings $5k. Good value if you ask me.

[Japtwin]

Serve u right for insuring ur bike dipshit:mellow: